that's not to say we won't have -- >> going to say though, your book famously titled "too big to fail," the movie that came with it, feels like we sometime have institutions too big to fame. >> no question, i call them too big to fame squared. we have banks today twice as big as they used to be because in part, part, one of the solutions, i use that word loosely, the crisis, we mernld the smaller banks to the bigger banks, we created even bicker banks. you look at a jpmorgan, city groups, bank of america, whatever have, no question, one were to fail today, we could creating a cascading domino affect, having said that, here is the good news, most of those institutions have a lot more capital against them. forget about the regulation, it was the capital that changed this story in that they have a rainy day fund they didn't have four years ago. >> talk about t.a.r.p. $700 billion.